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First State Bank, The

Pond Creek, OK · Cert 11527

State charter, non-member · FDIC · 2 branches

Q2 2026

$55.5MAssets
$47.1MLoans
$47.9MDeposits
$7.6MEquity
Loan mix
71%RE $28.3M23%C&I $9.0M6%Consumer $2.6MQ3 2024Q2 2026
Deposit mix
69%Interest-bearing $32.8M31%Noninterest $15.1MQ3 2024Q2 2026

Market Position · Enid, OK · 2026 SOD (annual) · 0.1% share · #12 of 14 inst. · $0.0B of $5.8B

16.8% Grant
0.1% Garfield

Executive Summary

  • Earnings: ROA of 1.54%, down 15 bps year over year; NIM at 4.87%.
  • Asset quality: problem loans at 0.32% of loans (+26 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 12.78%, down 95 bps from a year ago.
  • Funding: loans stand at 98.30% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.54%-15 bps YoY

Net Interest Margin (YTD, annualized)

4.87%-17 bps YoY

Efficiency Ratio (YTD, annualized)

63.38%+214 bps YoY

Tier 1 Leverage Ratio

12.78%-95 bps YoY

NIM

6.10%Q2 ’246.40%Q2 ’256.49%Q2 ’26+2%-3%

Non-interest income vs. expense

3.49%Q2 ’243.35%Q2 ’253.35%Q2 ’26-2%+1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.30%1.08%1.65%1.69%1.72%1.44%1.63%1.54%-15 bps
Return on Equity9.80%8.13%12.28%12.47%12.40%10.32%11.73%11.15%-133 bps
Net Interest Margin5.01%5.13%5.11%5.03%5.18%5.15%4.59%4.87%-17 bps
Efficiency Ratio64.49%69.17%63.49%61.25%60.45%63.96%59.64%63.38%+214 bps
Non-Interest Burden3.08%3.43%2.98%2.92%2.98%3.15%2.51%2.93%+2 bps
Growth
Asset Growth (YoY)-0.01%3.08%4.37%5.77%1.35%5.59%5.73%-4.01%-979 bps
Loan Growth (YoY)9.14%9.23%8.87%5.18%7.85%13.05%8.43%5.09%-9 bps
Deposit Growth (YoY)-1.48%-0.08%3.81%5.31%-0.79%5.79%5.35%-3.92%-923 bps
Asset Quality
Nonperforming Loans / Loans0.42%0.27%0.02%0.06%2.08%1.75%1.14%0.32%+26 bps
Net Charge-Offs / Loans0.38%0.31%0.00%-0.02%-0.09%0.00%0.00%0.01%+3 bps
Allowance / Loans1.57%1.59%1.57%1.60%1.59%1.60%1.64%1.72%+12 bps
Allowance Coverage of NPLs3.7x5.8x79.2x27.6x0.8x0.9x1.4x5.3x-22.3x
Capital
Tier 1 Leverage Ratio13.58%13.93%13.67%13.73%14.59%14.63%13.86%12.78%-95 bps
Total Risk-Based Capital13.58%13.93%13.67%13.73%14.59%14.63%13.86%12.78%-95 bps
Equity / Assets13.71%13.82%13.15%13.70%14.74%14.36%13.48%13.63%-7 bps
Liquidity & Funding
Loans / Deposits91.32%99.18%90.64%89.87%99.27%105.99%93.29%98.30%+842 bps
Liquid Assets / Assets6.73%6.29%4.70%3.42%2.64%2.54%2.01%2.67%-75 bps
CRE / Total Capitaln/an/an/an/a44.05%47.86%50.23%n/an/a